Brandon Clarke
Riverside,CA
Summary
Accomplished Credit Manager with a proven track record at GITI Tire (USA) LTD, enhancing credit operations through meticulous risk analysis and customer engagement. Expert in portfolio management and policy application, significantly mitigated financial risks and improved cash flow. Collaborates effectively across departments, ensuring strategic alignment and operational excellence, offering 20+ years of financial analysis and credit evaluation experience.
Overview
25
25
years of professional experience
Work History
Credit Manager
GITI Tire (USA) LTD
03.2008 - Current
- Analyzed applicants' financial status and credit evaluations to approve suitable credit limits when onboarding new customers.
- Streamlined processes for early identification of potential credit system and monitoring problems.
- Oversaw reporting, documentation and recordkeeping requirements for customer master in Oracle system.
- Reported key performance indicators including collection efficiency index and DSO to executive management to ensure alignment with assigned KPIs
- Work cross-functionally with sales, logistic and other departments to maintain effective operations.
- Obtained and reviewed credit reports, credit references, credit insurance and financial statements to approve credit limits for new accounts.
- Ensure appropriate collection activity is completed via telephone or correspondence and negotiated payment terms are consistent while maintaining good customer relations.
- Review weekly aging reports for delinquent and problem accounts.
- Regulate AR risk exposure by releasing credit holds on overline or past due accounts upon customer payment commitments.
Senior Credit Analyst
Christie Digital Systems USA Inc.
07.2004 - 03.2008
- Made decisions and recommendations about extending lines of credit after conducting quantitative due diligence
- Improved the credit evaluation process by incorporating financial risk ratios from financial statements, which further mitigated risk.
- Negotiated payment plans and settlements on delinquent accounts to reduce overall bad debt provisions
- Released credit holds on accounts after securing payments for past due balances via wire transfer and ACHs
- Collaborated with sales management and other teams to discuss collection issues regarding customers' accounts on monthly basis.
- Secured bank letters of credits to mitigate risk on international clients.
Regional Credit Manager
Yamaha Corporation of America Inc
10.1999 - 07.2004
- Obtained financial and company information for establishing credit limits or conducting annual account reviews
- Responsible for customer credit inquiries, requests and credit approvals; ensure all credit inquiries and all credit related issues are handled and completed within company procedure.
- Conducted strong financial and credit analysis for credit limit recommendations to general manager of credit department
- ·Reviewed monthly aging reports of delinquent and problem accounts with sales management of different brand channels.
- Ensure appropriate collection activity is completed via telephone or correspondence and negotiated payment terms are consistent with the goals of the company while maintaining good customer relations.
- Attended quarterly credit meetings to collaborate with other credit professionals in discussions on problematic accounts
Education
Bachelor of Arts - Economics
California State University - San Bernardino
San Bernardino, CASkills
- Customer Engagement
- Application Review
- Performance Improvements
- Risk Assessments
- Cash Flow Management
- Risk Analysis
- Research and due diligence
- Credit analysis
- Fraud knowledge
- Policy application
Timeline
Credit Manager
GITI Tire (USA) LTD
03.2008 - Current
Senior Credit Analyst
Christie Digital Systems USA Inc.
07.2004 - 03.2008
Regional Credit Manager
Yamaha Corporation of America Inc
10.1999 - 07.2004
Bachelor of Arts - Economics
California State University - San Bernardino
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